| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | +1.1% | +0.9% | +0.2 pts |
| Loan growth (YoY) | +2.3% | -2.6% | +4.9 pts |
| ROA | -0.57% | 0.65% | -1.2 pts |
| ROE | -4.5% | 4.4% | -8.9 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $64.0M | $56.3M | $37.1M | $8.0M | $-182K | -0.57% | 3.55% | 1.27% | 7,281 |
| Q1 2026 | $65.8M | $57.0M | $36.5M | $8.1M | $-160K | -0.97% | 3.43% | 0.90% | 7,234 |
| Q4 2025 | $63.3M | $55.5M | $37.0M | $8.2M | $253K | 0.40% | 3.56% | 0.88% | 7,168 |
| Q3 2025 | $65.0M | $55.8M | $37.0M | $8.2M | $217K | 0.44% | 3.45% | 0.69% | 7,163 |
| Q2 2025 | $65.3M | $55.6M | $36.3M | $8.2M | $212K | 0.65% | 3.41% | 0.87% | 6,989 |
| Q1 2025 | $66.4M | $56.8M | $33.3M | $8.1M | $90K | 0.54% | 3.25% | 0.32% | 6,989 |
| Q4 2024 | $64.5M | $55.5M | $32.8M | $8.0M | $550K | 0.85% | 3.40% | 0.85% | 6,959 |
| Q3 2024 | $62.7M | $54.4M | $32.2M | $7.9M | $458K | 0.97% | 3.46% | 0.99% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.57% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -4.5% | 4.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,961 |
| Q2 2024 | $63.0M | $53.6M | $31.7M | $7.8M | $378K | 1.20% | 3.45% | 0.81% | 6,961 |
Loan mix (Q2 2026): real estate $10.4M · commercial $0 · consumer $25.4M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.4% | 80.6% | 90th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 2 counties across 1 state (+1 vs 2025). Biggest market: Greenwood, SC, ranked 7th with 2.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Greenwood, SC | 3 | $42.2M* | 2.48% | 7th |
| Saluda, SC | 1 | $14.1M* | 5.56% | 5th |
South Carolina: 108th with 0.04% · Columbia metro: 47th, 0.04% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 3 · 2026 4